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Best for no-frills debt payoff

Wells Fargo Reflect® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:670 - 850
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on Wells Fargo's secure site

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Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards rate

N/A

Annual fee

$0

Why you'll like this: It pairs one of the longest intro APR offers on the market with a lower-than-average ongoing interest rate.

Best for dining

Chase Freedom Unlimited®

Cardholder rating

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4.3

Bankrate score

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4.6
Bankrate review
Recommended credit score:670 - 850
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on Chase's secure site

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Balance transfer intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

18.99% - 28.49% Variable

Rewards rate

1.5% - 5%

Annual fee

$0

Why you'll like this: Its exceptionally comprehensive reward categories can be a great tool for everyday spending alongside its intro APR offer.

Best for groceries

Blue Cash Preferred® Card from American Express

Cardholder rating

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4.4

Bankrate score

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4.4
Bankrate review
Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Balance transfer intro APR

0% on balance transfers for 12 months

APR

20.24%-29.24% Variable

Rewards rate

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

Why you'll like this: You can enjoy a best-in-class rewards rate on groceries as you pay off debt with its intro APR.

Best for encouraging payments

Citi Double Cash® Card

Bankrate score

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4.2
Bankrate review
Recommended credit score:670 - 850
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on Citi's secure site

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Balance transfer intro APR

0% intro for 18 months on Balance Transfers

Regular APR

18.24% - 28.24% (Variable)

Rewards rate

1% - 5%

Annual fee

$0

Why you'll like this: It boasts an intro APR on par with several top balance transfer cards, plus it rewards your purchases with 1 percent when you buy and another 1 percent when you pay.

Best for everyday spending

Blue Cash Everyday® Card from American Express

Cardholder rating

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4.3

Bankrate score

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4.6
Bankrate review
Recommended credit score:Good to Excellent
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on American Express's secure site

See Rates & Fees, Terms Apply

Balance transfer intro APR

0% on balance transfers for 15 months

APR

20.24%-29.24% Variable

Rewards rate

1% - 3%

Annual fee

$0

Why you'll like this: It gives you a chance to pay off debt while making the most of your everyday purchases.

Best for welcome offer

Discover it® Chrome

Cardholder rating

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4.4

Bankrate score

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4.0
Bankrate review
Recommended credit score:670 - 850
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on Discover's secure site

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Balance transfer intro APR

0% for 18 months

Regular APR

18.24% - 27.24% Variable APR

Rewards rate

1% - 2%

Annual fee

$0

Why you'll like this: It offers great short- and long-term value thanks to its combo of a welcome offer, ongoing rewards and an intro APR.

Only Available in 15 East Coast States and D.C.

Best for late payment fee forgiveness

TD FlexPay Credit Card

Bankrate score

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4.1
Bankrate review
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on TD Bank's secure site

See Rates & Fees

Balance transfer intro APR

Get our best balance transfer offer: 0% introductory APR on balance transfers for first 18 billing cycles after account opening. After that 18.24% - 28.24% variable APR based on your creditworthiness.

Regular APR

18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness.

Rewards rate

N/A

Annual fee

None

Why you'll like this: Your first late fee is refunded every 12 billing cycles, so it’s a safer choice if you’re worried about keeping up with payments.

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